U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

12 Best Travel Insurance Companies of January 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

lantern travel insurance

Travelex Insurance Services »

lantern travel insurance

Allianz Travel Insurance »

lantern travel insurance

Seven Corners »

lantern travel insurance

World Nomads Travel Insurance »

lantern travel insurance

AXA Assistance USA »

lantern travel insurance

AIG Travel Guard »

lantern travel insurance

Generali Global Assistance »

Berkshire Hathaway Travel Protec... »

lantern travel insurance

HTH Travel Insurance »

lantern travel insurance

Trawick International »

lantern travel insurance

Tin Leg »

lantern travel insurance

Nationwide Insurance »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

  • Rating Details
  • Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation if plans go awry. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

  • Travelex Insurance Services: Best Overall
  • Allianz Travel Insurance: Best for Cancel for Any Reason Add-on
  • Seven Corners: Best for 24/7 Support When Traveling
  • World Nomads Travel Insurance: Best for Adventure Travelers
  • AXA Assistance USA: Best for Coverage of Luggage and Personal Items
  • AIG Travel Guard: Best for Cruise Insurance
  • Generali Global Assistance: Best for Emergency Situations
  • Berkshire Hathaway Travel Protection: Best for Flight Insurance
  • HTH Travel Insurance: Best for Groups
  • Trawick International: Best for Vacation Rental Insurance
  • Tin Leg: Best for Budget-Friendly Plans
  • Nationwide Insurance: Best for Last-Minute Travel Insurance

Best Travel Insurance Companies in Detail

Travelex ».

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

  • 100% of the insured trip cost for trip cancellation; 150% for trip interruption
  • Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
  • $750 in missed connection coverage
  • $50,000 in emergency medical and dental coverage
  • Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

  • Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
  • $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
  • Up to $1,600 for travel delays
  • Emergency medical coverage of up to $75,000
  • Epidemic coverage

Coverage for preexisting conditions

Cancel for any reason coverage costs extra

  • 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
  • Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
  • Trip delay and missed connection coverage worth up to $1,500
  • Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

World Nomads »

Adventure sports are covered at no additional cost

Explorer plan only promises up to $10,000 in trip protection

  • $10,000 in trip cancellation and trip interruption coverage
  • $3,000 in protection for lost, damaged or stolen baggage, tech equipment and various travel gear
  • Up to $3,000 in trip delay costs
  • $100,000 in emergency medical coverage

All plans include missed connection coverage

Premiums are on the higher end compared to other providers

  • Trip cancellation protection for 100% of the trip cost; 150% for trip interruption
  • Up to $3,000 for baggage that's been lost, damaged or stolen; $600 in bag delay coverage
  • Trip delay coverage worth $1,250
  • $250,000 in emergency medical coverage

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

  • Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
  • Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
  • Up to $1,000 in missed connection and trip delay coverage

Sporting equipment coverage is included in the company's mid-tier plan

Coverage for those with preexisting conditions is only available on the Premium plan

  • 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
  • $2,000 in coverage for loss of baggage per person
  • $1,000 per person in travel delay and missed connection coverage
  • $250,000 in medical and dental coverage per person

Berkshire Hathaway Travel Protection »

All plans include 24/7 travel assistance that can aid in finding or replacing lost luggage and assist with lost or stolen wallets, tickets and passports

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

  • Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
  • $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
  • Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
  • Medical coverage worth up to $50,000

Generous coverage at the mid-tier level

Preexisting conditions coverage is only available at mid- and high-tier plans

  • 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
  • Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
  • Up to $2,000 in coverage for trip delays; $1,000 for missed connections
  • $500,000 in coverage per person for sickness and accidents

Generous coverage among the plans for trip cancellation and interruption

Determining the right plan may be overwhelming, with 15-plus options to choose from

  • 100% for trip cancellation (up to $100,000); 150% for trip interruption (up to $150,000)
  • Up to $2,500 for lost, damaged or stolen bags; up to $600 for luggage delays
  • Up to $3,000 for trip delays; $1,000 for missed connections
  • Up to $250,000 for emergency medical expenses

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

  • 100% trip cancellation protection; 150% trip interruption
  • $500 per person for lost, stolen or damaged baggage and personal items
  • Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
  • $100,000 per person in emergency medical coverage, including issues related to COVID-19

Variety of plans to choose from

Limited trip cancellation coverage even at the highest tier

  • Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
  • $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
  • Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
  • $150,000 for emergency medical and dental issues

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong spring 2024 trip to Italy for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. (add text and link to checked luggage). This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

Travel insurance works similarly to other types of insurance, except that travel insurance intends to cover unforeseeable events. In most cases, you will pay a flat fee for a policy that covers an individual trip and all its components – like airfare, your accommodations and any prepaid excursions. However, if you travel more than a few times per year, and especially if your trips are on the pricey side, you can also buy an annual travel insurance policy.

Benefits vary among travel insurance providers and policies, meaning some travel insurance plans cover more scenarios than others, and some offer higher coverage limits as well. For example, some travel insurance policies might only offer trip cancellation coverage worth up to $2,500 per traveler, while others offer the same benefit worth up to $100,000.

With this in mind, travel insurance works like other insurance plans in the sense that you can buy a basic level of coverage or full coverage that will reimburse you up to incredibly high limits. The choice is up to you, and you should decide based on how much coverage you think you need to feel secure.

However, you should keep in mind that travel insurance cannot cover every potential situation you encounter before or during a trip. Many travel insurance policies list an array of exclusions you should know about, like war or preexisting circumstances. Several policies also offer named peril coverage that only covers the situations specifically outlined in your policy.

Travel insurance may cost anywhere from $50 to $1,500 or more. The cost of travel insurance varies depending on the age of the travelers in your group, the total cost of your trip and other factors. Travel insurance for seniors is typically more costly due to the increased likelihood of health-related issues. The total cost of your trip will also help determine the cost of your travel insurance plan since more expensive trips require higher coverage limits.

Interestingly enough, the length of your trip and the destination you are visiting will not typically affect the cost of travel insurance coverage. Further, your health may not be part of the equation either, and travel insurance companies even refrain from asking health questions when you apply for a travel insurance quote. This doesn't mean that preexisting conditions will be covered, however, so you'll want to check the details.

As an example, a few sample trip insurance quotes for a married couple who are both 40 and live in New York City are below:

  • Travel insurance for an eight-day trip to Florida with a purchase price of $3,500 might run about $85 to $385.
  • Travel insurance for an eight-day trip to Mexico with a purchase price of $5,000 could cost anywhere from $120 to $415.
  • Travel insurance for an eight-day trip to the United Kingdom with a purchase price of $7,500 may cost around $185 to $575.

The price of the plan you select will depend on how much coverage you want. Keep in mind, there are plenty of companies that offer affordable travel insurance plans if your main priority is getting a policy at a budget-friendly price. See the U.S. News list of the Cheapest Travel Insurance Companies .

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or World Nomads, but you can also shop and compare policies with a travel insurance platform. Popular options include:

  • TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
  • InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance, World Nomads Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

You might also be interested in:

lantern travel insurance

Carry-on Luggage Size and Weight Limits (2024)

Amanda Norcross

Just like checked bags, carry-on luggage size restrictions can vary by airline.

lantern travel insurance

Bereavement Flights: 5 Airlines That Offer Discounted Fares

Know how to qualify and purchase bereavement fares if a loved one has died.

lantern travel insurance

TSA Precheck vs. Global Entry: Which One Is Right for You?

Liz Weiss and Timothy J. Forster

From expedited security screenings to faster customs checks, these programs can make your travels a breeze.

lantern travel insurance

The 13 Best Carry-on Luggage Pieces of 2023

Rachael Hood

The right carry-on luggage can make a world of difference.

  • Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
  • Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
  • Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
  • Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
  • Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
  • Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
  • Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
  • Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
  • Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
  • Credit Score Best Credit Monitoring Services Best Identity Theft Protection
  • Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
  • Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
  • CDs Best CD Rates Best No Penalty CDs Best Credit Union CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 18 Month CD Rates Best 2 Year CD Rates Best 3 Year CD Rates Best 4 Year CD Rates Best 5 Year CD Rates Best 10 Year CD Rates
  • Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
  • Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
  • Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
  • Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
  • Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
  • Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
  • LLC Formation Best LLC Services ZenBusiness LLC Review LegalZoom LLC Review Inc Authority LLC Review Incfile LLC Review
  • Services Best E-commerce Platform Best Website Builders Best Point-of-Sale (POS) Systems Best Registered Agent Services Best Credit Card Processing Companies Best Credit Card Readers for Small Businesses
  • HR & Payroll Best Payroll Software Best Free Payroll Software
  • VPN Reviews Best VPNs ProtonVPN Review ExpressVPN Review CyberGhost VPN Review Private Internet Access VPN Review
  • Manage Topics
  • Investigations
  • Visual Explainers
  • Newsletters
  • Abortion news
  • Coronavirus
  • Climate Change
  • Vertical Storytelling
  • Corrections Policy
  • College Football
  • High School Sports
  • H.S. Sports Awards
  • Sports Betting
  • College Basketball (M)
  • College Basketball (W)
  • For The Win
  • Sports Pulse
  • Weekly Pulse
  • Buy Tickets
  • Sports Seriously
  • Sports+ States
  • Celebrities
  • Entertainment This!
  • Celebrity Deaths
  • American Influencer Awards
  • Women of the Century
  • Problem Solved
  • Personal Finance
  • Small Business
  • Consumer Recalls
  • Video Games
  • Product Reviews
  • Destinations
  • Airline News
  • Experience America
  • Today's Debate
  • Suzette Hackney
  • Policing the USA
  • Meet the Editorial Board
  • How to Submit Content
  • Hidden Common Ground
  • Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel Insurance

John Hancock travel insurance review 2024

Jennifer Simonson

Mandy Sleight

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Kara McGinley

Kara McGinley

Published 5:00 a.m. UTC Jan. 24, 2024

  • path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
  • path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

John Hancock Insurance Agency

John Hancock Insurance Agency

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

John Hancock’s Silver travel insurance plan has solid coverage for baggage and personal item loss, baggage delay and travel delay. Silver is John Hancock’s top-scoring plan in our analysis of the best travel insurance plans , but its pricier Gold plan gets the same rating of 3 stars.

  • Silver plan has $1,000 specific items limit for personal item loss.
  • Generous $500 per person baggage delay benefit.
  • “Cancel for any reason” coverage upgrade of 75% available.
  • Lower emergency medical coverage limit than many leading competitors.
  • No option to purchase “interruption for any reason” coverage.
  • No non-medical evacuation coverage.

Why trust our travel insurance experts

Our team of experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our  methodology  below.

  • 1,855 coverage details evaluated.
  • 567 rates reviewed.
  • 5 levels of fact-checking.

John Hancock overview

John Hancock travel insurance is underwritten by Starr Insurance, which was founded in 1919. It offers three travel insurance plans: Bronze, Silver and Gold. Its Silver and Gold plans get 3 stars in our rating of the best travel insurance . 

John Hancock travel insurance plans

John Hancock offers three plans with varying levels of travel insurance coverage . Each plan includes: 

  • 24/7 assistance.
  • Airline ticket change fee.
  • Baggage/personal effects coverage. 
  • Emergency medical coverage. 
  • Emergency medical evacuation coverage. 
  • Missed connection coverage.
  • Terror attack coverage. 
  • Trip cancellation coverage.
  • Trip delay coverage.
  • Trip interruption coverage. 

Bronze 

John Hancock’s Bronze plan is the most economically affordable of the three options. This plan includes all the standard coverage benefits:

  • Emergency medical evacuation: $250,000.
  • Emergency medical: $50,000.
  • Trip cancellation: 100% of eligible trip costs.
  • Trip interruption: 125% of eligible trip costs.
  • Optional “cancel for any reason” CFAR coverage: 75% reimbursement for prepaid, nonrefundable payments. Must be purchased within 14 days of your trip deposit. To use this coverage, you must cancel at least two days before your departure date. 

The Bronze plan also includes coverage for delayed and lost baggage, missed connections, travel delay and 24-hour accidental death and dismemberment. This plan includes a pre-existing conditions waiver if purchased within 14 days of your first trip deposit and 100% of your trip costs are insured. Pre-existing conditions are typically not covered by travel insurance. 

Silver 

The John Hancock Silver travel insurance plan scores 3 out of 5 stars in our review of the best travel insurance companies . 

  • Emergency medical evacuation: $500,000. 
  • Emergency medical: $100,000.
  • Trip interruption: 150% of eligible trip costs.

The Silver plan includes more coverage than the Bronze plan for missed connections, travel delay, lost and delayed baggage and 24-hour accidental death and dismemberment. 

Like the Bronze plan, the Silver plan includes a pre-existing conditions waiver if purchased within 14 days of your first trip deposit and 100% of your trip costs are insured. 

The John Hancock Gold plan also scores 3 out of 5 stars in our analysis of the best travel insurance companies. 

  • Emergency medical evacuation: $1 million.
  • Emergency medical: $250,000. 
  • Trip cancellation: 100% of eligible trip costs. 
  • Trip interruption: 150% of eligible trip costs. 
  • Optional “cancel for any reason” CFAR coverage: 75% reimbursement for prepaid, nonrefundable payments. Must be purchased within 14 days of your trip deposit. To use this coverage, you must cancel at least days before your departure date.

Of the three plans offered by John Hancock travel insurance, the Gold plan offers the highest coverage limits for travel delay, missed connections and baggage loss. It also offers baggage delay and 24-hour accidental death and dismemberment coverage.

Additional travel coverages

John Hancock offers three add-on coverage options to further customize your insurance plan. For an additional cost, these add-ons can be purchased at the time you purchased your policy. 

“Cancel-for-any-reason” (CFAR) coverage

The Bronze, Silver and Gold plans all offer the option to upgrade to “cancel for any reason” (CFAR) coverage . CFAR coverage reimburses 75% of nonrefundable payments or deposits even if the trip is canceled for a reason that is not listed in your policy. 

A CFAR upgrade is only available if you buy it within 14 days of your first trip deposit. To use this coverage, you need to cancel your trip at least 48 hours before your scheduled departure date. 

Accidental death and dismemberment coverage

Each of John Hancock’s travel insurance plans include coverage for accidental death and dismemberment (AD&D). The Bronze plan includes $25,000 per person, while the Silver and Gold plans increase coverage to $100,000 per person. Each plan offers the option to include coverage for flight only AD&D, which pays an additional benefit for loss of limb or life when you’re a passenger on a common carrier aircraft.

Rental car damage coverage

Rental car damage is add-on coverage that will reimburse up to the vehicle’s actual cash value (ACV), the cost of repairs or the benefit outlined in your policy details if it’s damaged in a collision or stolen while in your possession. Covered losses include fire, flood, hail or windstorm damage.

What John Hancock travel insurance doesn't cover

Like all travel insurance companies, John Hancock does not cover every incident that could occur before or during your trip. 

For instance, exclusions to emergency medical coverage for the John Hancock Gold plan include:

  • Cosmetic surgery (except as the result of accidental injury).
  • Dental treatment (unless as a result of accidental injury).
  • Injuries due to activities such as contact sports, hang gliding, skydiving, mountaineering, horse racing, car and motorcycle racing, parachuting, scuba diving (unless accompanied by a dive master at a depth of 100 feet or less), spelunking and bungee jumping.
  • Injuries resulting from being intoxicated above the legal limit or under the influence of drugs or narcotics (unless prescribed by a physician and taken in accordance with your physician’s instructions).
  • Mental or emotional disorders.
  • Non-emergency treatments or surgeries including routine physical exams, hearing aids, eyeglasses or contact lenses.
  • Piloting or learning to pilot an aircraft.
  • Suicide or attempted suicide.

Each John Hancock’s travel insurance plan has limitations, so it is important to read the fine print for what is covered. John Hancock’s “free-look” period gives you 14 days in most states to review your policy and cancel for a full refund if it doesn’t fit your needs.

John Hancock travel insurance policy rates

How much you’ll pay for a John Hancock travel insurance plan will depend on personal factors such as your trip destination, trip length, number of travelers and age of travelers. Upgrades such as “cancel for any reason” (CFAR) coverage will also impact your rate. 

We plugged in several travel scenarios to give you sample rates for John Hancock Insurance Agency’s Silver plan. 

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

  • Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
  • Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
  • Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points. Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
  • Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
  • “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
  • Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
  • Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
  • Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Frequently asked questions (FAQs)

John Hancock travel insurance is a subsidiary of Manulife. Manulife is an international financial services company that operates primarily as John Hancock in the United States and Manulife elsewhere.

Yes, John Hancock travel insurance Bronze, Silver and Gold plans all offer the option to purchase “cancel for any reason” CFAR coverage . This upgrade will reimburse up to 75% of your nonrefundable trip payments if you decide to cancel, as long as you do it at least two days before your scheduled departure.

Pre-existing conditions won’t be excluded from coverage if you buy a John Hancock travel insurance plan within 14 days of your first trip payment, your policy is the first and only policy issued for your travel dates and destination and you are medically able to travel at the time you buy your policy. As always, it is a good idea to check your policy details to confirm coverage.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

10 worst US airports for flight cancellations this week

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

10 worst US airports for flight cancellations last week

10 worst US airports for flight cancellations last week

HTH Worldwide travel insurance review 2024

HTH Worldwide travel insurance review 2024

Travel Insurance Jennifer Simonson

Airfare at major airports is up 29% since 2021

Airfare at major airports is up 29% since 2021

Travel Insurance Timothy Moore

USI Affinity travel insurance review 2024

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travel insurance for Canada

Travel Insurance Mandy Sleight

Travelex travel insurance review 2024

Travelex travel insurance review 2024

Best travel insurance companies of January 2024

Best travel insurance companies of January 2024

Travel Insurance Amy Fontinelle

Best travel insurance for a Disney World vacation in 2024

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

World Nomads travel insurance review 2024

Outlook for travel insurance in 2024

Outlook for travel insurance in 2024

Survey: Nearly 85% of Americans avoid family over the holidays

Survey: Nearly 85% of Americans avoid family over the holidays

Travel Insurance Kara McGinley

AIG travel insurance review 2024

AIG travel insurance review 2024

Average cost of travel insurance in 2024

Average cost of travel insurance in 2024

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Medical Insurance of 2024

lantern travel insurance

Allianz Travel Insurance »

lantern travel insurance

Seven Corners »

lantern travel insurance

GeoBlue »

lantern travel insurance

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

  • Allianz Travel Insurance
  • Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

  • Allianz Travel Insurance: Best Overall
  • Seven Corners: Best for Families
  • GeoBlue: Best for Expats
  • WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

  • Up to $50,000 in emergency medical coverage
  • Up to $250,000 in emergency medical evacuation coverage
  • Up to $2,000 in coverage for baggage loss and damage
  • Up to $600 in baggage delay insurance
  • Up to $1,000 for travel delays
  • Up to $10,000 in travel accident insurance
  • 24-hour hotline assistance
  • Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

  • Up to $5 million in comprehensive medical coverage
  • Up to $500,000 in emergency evacuation coverage
  • Up to $10,000 in coverage for incidental trips to home country
  • Up to $25,000 in coverage for terrorist activity
  • Up to $500 in accidental dental emergency coverage
  • Up to $100 per occurrence in coverage for emergency eye exams
  • $50,000 in coverage for local burial or cremation
  • 24/7 travel assistance
  • Up to $25,000 in coverage for accidental death and dismemberment per traveler
  • Up to $500 for loss of checked baggage
  • Up to $5,000 for trip interruptions
  • Up to $100 per day for trip delays
  • Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

  • Up to $250,000 in coverage for emergency medical evacuation
  • Up to $25,000 for repatriation of mortal remains
  • $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

  • Up to $1,000,000 of maximum coverage
  • Up to $1,000,000 for emergency medical evacuation
  • Up to $10,000 for trip interruptions
  • Up to $1,000 for lost checked luggage
  • Up to $100 per day for travel delays
  • Up to $25,000 in personal liability coverage
  • Medical coverage for eligible expenses related to COVID-19
  • Ability to add coverage for your spouse and/or child(ren)
  • Repatriation of remains coverage up to overall limit
  • Up to $5,000 for local burial or cremation 
  • $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

You might also be interested in:

lantern travel insurance

12 Best Travel Insurance Companies of January 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

lantern travel insurance

9 Cheapest Travel Insurance Companies Worth the Cost

U.S. News rates the cheapest travel insurance options, considering pricing data, expert recommendations and consumer reviews.

lantern travel insurance

How to Get Airport Wheelchair Assistance (+ What to Tip)

Suzanne Mason and Rachael Hood

From planning to arrival, get helpful tips to make the journey easier.

lantern travel insurance

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

Business Insider

Travel Insurance Cost: This Week's Average Rates

Find a Qualified Financial Advisor

Looking for the right advisor for you? Datalign Advisory makes finding a financial advisor specific to your needs easier than ever . Datalign Advisory's free tool matches you to an advisor based on your unique financial profile in 3 minutes. All advisors on the platform are registered with the SEC. Get started planning for your financial future!

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

  • The average travel insurance premium this week is $292.52, a 3% increase compared to last week.
  • For travel in the United States, the average premium is $99 to $390.
  • Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

Travel insurance weekly rates at a glance:

  • Average premium: $292.52
  • Average trip cost: $6,990.59
  • Average trip length: 16 Days

What is travel insurance?

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

See Insider's picks for the best travel insurance companies »

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average cost of travel insurance by most popular destinations

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth.

Here's how the prices stack up:

Source: SquareMouth

When are people buying travel insurance?

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average cost of travel insurance by age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

What does travel insurance cover?

Travel insurance can help reimburse you for non-refundable parts of your trip or help you if you're injured or face an emergency.

Travel insurance policies cover six main things:

  • Trip cancellation or interruption
  • Trip delays
  • Medical costs while traveling
  • Baggage damage, delays, or loss
  • Emergency transportation
  • Rental car damage

If you have a credit card, you may already have access to some of these coverages without purchasing a separate travel insurance policy. For example, many airline credit cards and some of the best travel credit cards offer trip cancellation, delay coverage, and baggage coverage.

For example, the Chase Sapphire Preferred and Chase Sapphire Reserve cards both come with some travel coverage, including trip cancellation, interruption, and delay coverage, baggage delays, rental cars, accidental death, and dismemberment coverage.

Before getting a travel insurance policy, making sure the terms match your needs or concerns is essential. During the COVID-19 pandemic, that's especially important - each travel insurance company has unique reimbursement and cancellation rules due to this event. So read the fine print of any travel insurance policy before purchasing.

Is travel insurance worth it?

Many customer reviews talk about peace of mind. Travelers didn't have to use travel insurance, but they're so glad they had it. Occasionally, travelers must file a claim for lost luggage, medical or hotel expenses, and more. This is the true test of value for travelers' insurance.

When travel insurance companies have online claims processing, phone or chat-based customer support, and pay claims quickly based on purchased plans, it's worth it. However, when the claims process is overly burdensome, taking weeks or even months, the value of travel insurance may not be as clear.

The adage "you get what you pay for" applies when shopping for the best travel insurance companies. The more you're willing to spend, the more comprehensive your travel insurance coverage can be. Trusted providers also offer faster claims and better customer service. Insider recommends comparing at least three quotes to find competitive rates and high customer satisfaction ratings to cover your next trip.

Travel Insurance Rates FAQs

How much does travel insurance typically cost.

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors.

Does travel insurance cover COVID and political events?

Travel insurance covers the unpredictability of life, and this could include larger incidents like the COVID pandemic, political unrest, or large winter storms along with more common issues like lost luggage and unexpected accidents while on the road.

How do I buy travel insurance?

You can buy travel insurance online through provider websites. We recommend going through broker sites like Squaremouth to get multiple quotes for easy comparison online.

What travel insurance coverage do I need?

Travel insurance should make sense for your travel plans. The higher your travel costs, the more coverage you'll want. Basic cancellation and medical coverage are essential for big trips. If you plan to travel in the US, you should consider extra auto protection. Depending on the company, you may also find niche options like sports equipment and pet insurance.

Travel Insurance Cost: This Week's Average Rates

The best travel insurance policies and providers

Katie Genter

It's easy to dismiss the value of travel insurance until you need it.

Many travelers have strong opinions about whether you should buy travel insurance . However, the purpose of this post isn't to determine whether it's worth investing in. Instead, it compares some of the top travel insurance providers and policies so you can determine which travel insurance option is best for you.

Of course, as the coronavirus remains an ongoing concern, it's important to understand whether travel insurance covers pandemics. Some policies will cover you if you're diagnosed with COVID-19 and have proof of illness from a doctor. Others will take coverage a step further, covering additional types of pandemic-related expenses and cancellations.

Know, though, that every policy will have exclusions and restrictions that may limit coverage. For example, fear of travel is generally not a covered reason for invoking trip cancellation or interruption coverage, while specific stipulations may apply to elevated travel warnings from the Centers for Disease Control and Prevention.

Interested in travel insurance? Visit InsureMyTrip.com to shop for plans that may fit your travel needs.

So, before buying a specific policy, you must understand the full terms and any special notices the insurer has about COVID-19. You may even want to buy the optional cancel for any reason add-on that's available for some comprehensive policies. While you'll pay more for that protection, it allows you to cancel your trip for any reason and still get some of your costs back. Note that this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

In this guide, we'll review several policies from top travel insurance providers so you have a better understanding of your options before picking the policy and provider that best address your wants and needs.

The best travel insurance providers

To put together this list of the best travel insurance providers, a number of details were considered: favorable ratings from TPG Lounge members, the availability of details about policies and the claims process online, positive online ratings and the ability to purchase policies in most U.S. states. You can also search for options from these (and other) providers through an insurance comparison site like InsureMyTrip .

When comparing insurance providers, I priced out a single-trip policy for each provider for a $2,000, one-week vacation to Istanbul . I used my actual age and state of residence when obtaining quotes. As a result, you may see a different price — or even additional policies due to regulations for travel insurance varying from state to state — when getting a quote.

AIG Travel Guard

AIG Travel Guard receives many positive reviews from readers in the TPG Lounge who have filed claims with the company. AIG offers three plans online, which you can compare side by side, and the ability to examine sample policies. Here are three plans for my sample trip to Turkey.

lantern travel insurance

AIG Travel Guard also offers an annual travel plan. This plan is priced at $259 per year for one Florida resident.

Additionally, AIG Travel Guard offers several other policies, including a single-trip policy without trip cancellation protection . See AIG Travel Guard's COVID-19 notification and COVID-19 advisory for current details regarding COVID-19 coverage.

Preexisting conditions

Typically, AIG Travel Guard wouldn't cover you for any loss or expense due to a preexisting medical condition that existed within 180 days of the coverage effective date. However, AIG Travel Guard may waive the preexisting medical condition exclusion on some plans if you meet the following conditions:

  • You purchase the plan within 15 days of your initial trip payment.
  • The amount of coverage you purchase equals all trip costs at the time of purchase. You must update your coverage to insure the costs of any subsequent arrangements that you add to your trip within 15 days of paying the travel supplier for these additional arrangements.
  • You must be medically able to travel when you purchase your plan.

Standout features

  • The Deluxe and Preferred plans allow you to purchase an upgrade that lets you cancel your trip for any reason. However, reimbursement under this coverage will not exceed 50% or 75% of your covered trip cost.
  • You can include one child (age 17 and younger) with each paying adult for no additional cost on most single-trip plans.
  • Other optional upgrades, including an adventure sports bundle, a baggage bundle, an inconvenience bundle, a pet bundle, a security bundle and a wedding bundle, are available on some policies. So, an AIG Travel Guard plan may be a good choice if you know you want extra coverage in specific areas.

Purchase your policy here: AIG Travel Guard .

Allianz Travel Insurance

Allianz is one of the most highly regarded providers in the TPG Lounge, and many readers found the claim process reasonable. Allianz offers many plans, including the following single-trip plans for my sample trip to Turkey.

lantern travel insurance

If you travel frequently, it may make sense to purchase an annual multi-trip policy. For this plan, all of the maximum coverage amounts in the table below are per trip (except for the trip cancellation and trip interruption amounts, which are an aggregate limit per policy). Trips typically must last no more than 45 days, although some plans may cover trips of up to 90 days.

lantern travel insurance

See Allianz's coverage alert for current information on COVID-19 coverage.

Most Allianz travel insurance plans may cover preexisting medical conditions if you meet particular requirements. For the OneTrip Premier, Prime and Basic plans, the requirements are as follows:

  • You purchased the policy within 14 days of the date of the first trip payment or deposit.
  • You were a U.S. resident when you purchased the policy.
  • You were medically able to travel when you purchased the policy.
  • On the policy purchase date, you insured the total, nonrefundable cost of your trip (including arrangements that will become nonrefundable or subject to cancellation penalties before your departure date). If you incur additional nonrefundable trip expenses after purchasing this policy, you must insure them within 14 days of their purchase.
  • Allianz offers reasonably priced annual policies for independent travelers and families who take multiple trips lasting up to 45 days (or 90 days for select plans) per year.
  • Some Allianz plans provide the option of receiving a flat reimbursement amount without receipts for trip delay and baggage delay claims. Of course, you can also submit receipts to get up to the maximum refund.
  • For emergency transportation coverage, you or someone on your behalf must contact Allianz, and Allianz must then make all transportation arrangements in advance. However, most Allianz policies provide an option if you cannot contact the company: Allianz will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Allianz Travel Insurance .

American Express Travel Insurance

American Express Travel Insurance offers four different package plans and a build-your-own coverage option. You don't have to be an American Express cardholder to purchase this insurance. Here are the four package options for my sample weeklong trip to Turkey. Unlike some other providers, Amex won't ask for your travel destination on the initial quote (but will when you purchase the plan).

lantern travel insurance

Amex's build-your-own coverage plan is unique because you can purchase just the coverage you need. For most types of protection, you can even select the coverage amount that works best for you.

lantern travel insurance

The prices for the packages and the build-your-own plan don't increase for longer trips — as long as the trip cost remains constant. However, the emergency medical and dental benefit is only available for your first 60 days of travel.

Typically, Amex won't cover any loss you incur because of a preexisting medical condition that existed within 90 days of the coverage effective date. However, Amex may waive its preexisting-condition exclusion if you meet both of the following requirements:

  • You must be medically able to travel at the time you pay the policy premium.
  • You pay the policy premium within 14 days of making the first covered trip deposit.
  • Amex's build-your-own coverage option allows you to only purchase — and pay for — the coverage you need.
  • Coverage on long trips doesn't cost more than coverage for short trips, making this policy ideal for extended getaways. However, the emergency medical and dental benefit only covers your first 60 days of travel.
  • American Express Travel Insurance can protect travel expenses you purchase with Amex Membership Rewards points in the Pay with Points program (as well as travel expenses bought with cash, debit or credit). However, travel expenses bought with other types of points and miles aren't covered.

Purchase your policy here: American Express Travel Insurance .

GeoBlue is different from most other providers described in this piece because it only provides medical coverage while you're traveling internationally and does not offer benefits to protect the cost of your trip. There are many different policies. Some require you to have primary health insurance in the U.S. (although it doesn't need to be provided by Blue Cross Blue Shield), but all of them only offer coverage while traveling outside the U.S.

Two single-trip plans are available if you're traveling for six months or less. The Voyager Choice policy provides coverage (including medical services and medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger and already have a U.S. health insurance policy.

lantern travel insurance

The Voyager Essential policy provides coverage (including medical evacuation for a sudden recurrence of a preexisting condition) for trips outside the U.S. to travelers who are 95 or younger, regardless of whether they have primary health insurance.

lantern travel insurance

In addition to these options, two multi-trip plans cover trips of up to 70 days each for one year. Both policies provide coverage (including medical services and medical evacuation for preexisting conditions) to travelers with primary health insurance.

lantern travel insurance

Be sure to check out GeoBlue's COVID-19 notices before buying a plan.

Most GeoBlue policies explicitly cover sudden recurrences of preexisting conditions for medical services and medical evacuation.

  • GeoBlue can be an excellent option if you're mainly concerned about the medical side of travel insurance.
  • GeoBlue provides single-trip, multi-trip and long-term medical travel insurance policies for many different types of travel.

Purchase your policy here: GeoBlue .

IMG offers various travel medical insurance policies for travelers, as well as comprehensive travel insurance policies. For a single trip of 90 days or less, there are five policy types available for vacation or holiday travelers. Although you must enter your gender, males and females received the same quote for my one-week search.

lantern travel insurance

You can purchase an annual multi-trip travel medical insurance plan. Some only cover trips lasting up to 30 or 45 days, but others provide coverage for longer trips.

lantern travel insurance

See IMG's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Most plans may cover preexisting conditions under set parameters or up to specific amounts. For example, the iTravelInsured Travel LX travel insurance plan shown above may cover preexisting conditions if you purchase the insurance within 24 hours of making the final payment for your trip.

For the travel medical insurance plans shown above, preexisting conditions are covered for travelers younger than 70. However, coverage is capped based on your age and whether you have a primary health insurance policy.

  • Some annual multi-trip plans are modestly priced.
  • iTravelInsured Travel LX may offer optional cancel for any reason and interruption for any reason coverage, if eligible.

Purchase your policy here: IMG .

Travelex Insurance

Travelex offers three single-trip plans: Travel Basic, Travel Select and Travel America. However, only the Travel Basic and Travel Select plans would be applicable for my trip to Turkey.

lantern travel insurance

See Travelex's COVID-19 coverage statement for coronavirus-specific information.

Typically, Travelex won't cover losses incurred because of a preexisting medical condition that existed within 60 days of the coverage effective date. However, the Travel Select plan may offer a preexisting condition exclusion waiver. To be eligible for this waiver, the insured traveler must meet all the following conditions:

  • You purchase the plan within 15 days of the initial trip payment.
  • The amount of coverage purchased equals all prepaid, nonrefundable payments or deposits applicable to the trip at the time of purchase. Additionally, you must insure the costs of any subsequent arrangements added to the same trip within 15 days of payment or deposit.
  • All insured individuals are medically able to travel when they pay the plan cost.
  • The trip cost does not exceed the maximum trip cost limit under trip cancellation as shown in the schedule per person (only applicable to trip cancellation, interruption and delay).
  • Travelex's Travel Select policy can cover trips lasting up to 364 days, which is longer than many single-trip policies.
  • Neither Travelex policy requires receipts for trip and baggage delay expenses less than $25.
  • For emergency evacuation coverage, you or someone on your behalf must contact Travelex and have Travelex make all transportation arrangements in advance. However, both Travelex policies provide an option if you cannot contact Travelex: Travelex will pay up to what it would have paid if it had made the arrangements.

Purchase your policy here: Travelex Insurance .

Seven Corners

Seven Corners offers a wide variety of policies. Here are the policies that are most applicable to travelers on a single international trip.

lantern travel insurance

Seven Corners also offers many other types of travel insurance, including an annual multi-trip plan. You can choose coverage for trips of up to 30, 45 or 60 days when purchasing an annual multi-trip plan.

lantern travel insurance

See Seven Corner's page on COVID-19 for additional policy information as it relates to coronavirus-related claims.

Typically, Seven Corners won't cover losses incurred because of a preexisting medical condition. However, the RoundTrip Choice plan offers a preexisting condition exclusion waiver. To be eligible for this waiver, you must meet all of the following conditions:

  • You buy this plan within 20 days of making your initial trip payment or deposit.
  • You or your travel companion are medically able and not disabled from travel when you pay for this plan or upgrade your plan.
  • You update the coverage to include the additional cost of subsequent travel arrangements within 15 days of paying your travel supplier for them.
  • Seven Corners offers the ability to purchase optional sports and golf equipment coverage. If purchased, this extra insurance will reimburse you for the cost of renting sports or golf equipment if yours is lost, stolen, damaged or delayed by a common carrier for six or more hours. However, Seven Corners must authorize the expenses in advance.
  • You can add cancel for any reason coverage or trip interruption for any reason coverage to RoundTrip plans. Although some other providers offer cancel for any reason coverage, trip interruption for any reason coverage is less common.
  • Seven Corners' RoundTrip Choice policy offers a political or security evacuation benefit that will transport you to the nearest safe place or your residence under specific conditions. You can also add optional event ticket registration fee protection to the RoundTrip Choice policy.

Purchase your policy here: Seven Corners .

World Nomads

World Nomads is popular with younger, active travelers because of its flexibility and adventure-activities coverage on the Explorer plan. Unlike many policies offered by other providers, you don't need to estimate prepaid costs when purchasing the insurance to have access to trip interruption and cancellation insurance.

World Nomads offers two single-trip plans.

lantern travel insurance

World Nomads has a page dedicated to coronavirus coverage , so be sure to view it before buying a policy.

World Nomads won't cover losses incurred because of a preexisting medical condition (except emergency evacuation and repatriation of remains) that existed within 90 days of the coverage effective date. Unlike many other providers, World Nomads doesn't offer a waiver.

  • World Nomads' policies cover more adventure sports than most providers, so activities such as bungee jumping are included. The Explorer policy covers almost any adventure sport, including skydiving, stunt flying and caving. So, if you partake in adventure sports while traveling, the Explorer policy may be a good fit.
  • World Nomads' policies provide nonmedical evacuation coverage for transportation expenses if there is civil or political unrest in the country you are visiting. The coverage may also transport you home if there is an eligible natural disaster or a government expels you.

Purchase your policy here: World Nomads .

Other options for buying travel insurance

lantern travel insurance

This guide details the policies of eight providers with the information available at the time of publication. There are many options when it comes to travel insurance, though. To compare different policies quickly, you can use a travel insurance aggregator like InsureMyTrip to search. Just note that these search engines won't show every policy and every provider, and you should still research the provided policies to ensure the coverage fits your trip and needs.

You can also purchase a plan through various membership associations, such as USAA, AAA or Costco. Typically, these organizations partner with a specific provider, so if you are a member of any of these associations, you may want to compare the policies offered through the organization with other policies to get the best coverage for your trip.

Related: Should you get travel insurance if you have credit card protection?

Is travel insurance worth getting?

Whether you should purchase travel insurance is a personal decision. Suppose you use a credit card that provides travel insurance for most of your expenses and have medical insurance that provides adequate coverage abroad. In that case, you may be covered enough on most trips to forgo purchasing travel insurance.

However, suppose your medical insurance won't cover you at your destination and you can't comfortably cover a sizable medical evacuation bill or last-minute flight home . In that case, you should consider purchasing travel insurance. If you travel frequently, buying an annual multi-trip policy may be worth it.

What is the best COVID-19 travel insurance?

lantern travel insurance

There are various aspects to keep in mind in the age of COVID-19. Consider booking travel plans that are fully refundable or have modest change or cancellation fees so you don't need to worry about whether your policy will cover trip cancellation. This is important since many standard comprehensive insurance policies won't reimburse your insured expenses in the event of cancellation if it's related to the fear of traveling due to COVID-19.

However, if you book a nonrefundable trip and want to maintain the ability to get reimbursed (up to 75% of your insured costs) if you choose to cancel, you should consider buying a comprehensive travel insurance policy and then adding optional cancel for any reason protection. Just note that this benefit is time-sensitive and has eligibility requirements, so not all travelers will qualify.

Providers will often require CFAR purchasers insure the entire dollar amount of their travels to receive the coverage. Also, many CFAR policies mandate that you must cancel your plans and notify all travel suppliers at least 48 hours before your scheduled departure.

Likewise, if your primary health insurance won't cover you while on your trip, it's essential to consider whether medical expenses related to COVID-19 treatment are covered. You may also want to consider a MedJet medical transport membership if your trip is to a covered destination for coronavirus-related evacuation.

Ultimately, the best pandemic travel insurance policy will depend on your trip details, travel concerns and your willingness to self-insure. Just be sure to thoroughly read and understand any terms or exclusions before purchasing.

What are the different types of travel insurance?

lantern travel insurance

Whether you purchase a comprehensive travel insurance policy or rely on the protections offered by select credit cards, you may have access to the following types of coverage:

  • Baggage delay protection may reimburse for essential items and clothing when a common carrier (such as an airline) fails to deliver your checked bag within a set time of your arrival at a destination. Typically, you may be reimbursed up to a particular amount per incident or per day.
  • Lost/damaged baggage protection may provide reimbursement to replace lost or damaged luggage and items inside that luggage. However, valuables and electronics usually have a relatively low maximum benefit.
  • Trip delay reimbursement may provide reimbursement for necessary items, food, lodging and sometimes transportation when you're delayed for a substantial time while traveling on a common carrier such as an airline. This insurance may be beneficial if weather issues (or other covered reasons for which the airline usually won't provide compensation) delay you.
  • Trip cancellation and interruption protection may provide reimbursement if you need to cancel or interrupt your trip for a covered reason, such as a death in your family or jury duty.
  • Medical evacuation insurance can arrange and pay for medical evacuation if deemed necessary by the insurance provider and a medical professional. This coverage can be particularly valuable if you're traveling to a region with subpar medical facilities.
  • Travel accident insurance may provide a payment to you or your beneficiary in the case of your death or dismemberment.
  • Emergency medical insurance may provide payment or reimburse you if you must seek medical care while traveling. Some plans only cover emergency medical care, but some also cover other types of medical care. You may need to pay a deductible or copay.
  • Rental car coverage may provide a collision damage waiver when renting a car. This waiver may reimburse for collision damage or theft up to a set amount. Some policies also cover loss-of-use charges assessed by the rental company and towing charges to take the vehicle to the nearest qualified repair facility. You generally need to decline the rental company's collision damage waiver or similar provision to be covered.

Should I buy travel health insurance?

lantern travel insurance

If you purchase travel with credit cards that provide various trip protections, you may not see much need for additional travel insurance. However, you may still wonder whether you should buy travel medical insurance.

If your primary health insurance covers you on your trip, you may not need travel health insurance. Your domestic policy may not cover you outside the U.S., though, so it's worth calling the number on your health insurance card if you have coverage questions. If your primary health insurance wouldn't cover you, it's likely worth purchasing travel medical insurance. After all, as you can see above, travel medical insurance is often very modestly priced.

How much does travel insurance cost?

Travel insurance costs depend on various factors, including the provider, the type of coverage, your trip cost, your destination, your age, your residency and how many travelers you want to insure. That said, a standard travel insurance plan will generally set you back somewhere between 4% and 10% of your total trip cost. However, this can get lower for more basic protections or become even higher if you include add-ons like cancel for any reason protection.

The best way to determine how much travel insurance will cost is to price out your trip with a few providers discussed in the guide. Or, visit an insurance aggregator like InsureMyTrip to quickly compare options across multiple providers.

When and how to get travel insurance

lantern travel insurance

For the most robust selection of available travel insurance benefits — including time-sensitive add-ons like CFAR protection and waivers of preexisting conditions for eligible travelers — you should ideally purchase travel insurance on the same day you make your first payment toward your trip.

However, many plans may still offer a preexisting conditions waiver for those who qualify if you buy your travel insurance within 14 to 21 days of your first trip expense or deposit (this time frame may vary by provider). If you don't need a preexisting conditions waiver or aren't interested in CFAR coverage, you can purchase travel insurance once your departure date nears.

You must purchase coverage before it's needed. Some travel medical plans are available for purchase after you have departed, but comprehensive plans that include medical coverage must be purchased before departing.

Additionally, you can't buy any medical coverage once you require medical attention. The same applies to all travel insurance coverage. Once you recognize the need, it's too late to protect your trip.

Once you've shopped around and decided upon the best travel insurance plan for your trip, you should be able to complete your purchase online. You'll usually be able to download your insurance card and the complete policy shortly after the transaction is complete.

Related: 7 times your credit card's travel insurance might not cover you

Bottom line

Not all travel insurance policies and providers are equal. Before buying a plan, read and understand the policy documents. By doing so, you can choose a plan that's appropriate for you and your trip — including the features that matter most to you.

For example, if you plan to go skiing or rock climbing, make sure the policy you buy doesn't contain exclusions for these activities. Likewise, if you're making two back-to-back trips during which you'll be returning home for a short time in between, be sure the plan doesn't terminate coverage at the end of your first trip.

If you're looking to cover a sudden recurrence of a preexisting condition, select a policy with a preexisting condition waiver and fulfill the requirements for the waiver. After all, buying insurance won't help if your policy doesn't cover your losses.

Disclaimer : This information is provided by IMT Services, LLC ( InsureMyTrip.com ), a licensed insurance producer (NPN: 5119217) and a member of the Tokio Marine HCC group of companies. IMT's services are only available in states where it is licensed to do business and the products provided through InsureMyTrip.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not create or modify any insurance policy terms in any way. For more information, please visit www.insuremytrip.com .

Small Business

Roadside assist.

lantern travel insurance

Lantern offers premium insurance from NZI

We offer insurance for your.

lantern travel insurance

Home Insurance

lantern travel insurance

Contents Insurance

lantern travel insurance

Car Insurance

Make a payment, make a claim, quick links:, existing customer, common questions, you're in safe hands with us.

Insurance Council of New Zealand (ICNZ)

Committed to treating you fairly

We adhere to the Fair Insurance Code, giving you peace of mind that we’re focussed on what’s best for our customers.

lantern travel insurance

Very strong financial strength rating

We have an AA financial strength rating, which is your reassurance we have a “very strong” claims paying ability and will be there for you should you need us.

Please click here  for more information on our Financial Strength Rating.

lantern travel insurance

The Kokomo Lantern

lantern travel insurance

Travel insurance: What is it and is it worth it?

lantern travel insurance

The loosening and removal of COVID-related restrictions reawakened desires to travel, whether it is throughout the state, to another state. or even to another country.

lantern travel insurance

That explosion also created unforeseen challenges for the travel industry, leading to system breakdowns in airline booking and routing programs, attraction and hotel manpower shortages, and more. These issues can lead to missed flights, lost luggage, or cancelled reservations, to name a few problems.

Travelers have also found their plans radically altered as extreme weather made some areas of the global virtually inaccessible.

These challenges can strain or ruin a vacation and even make what was supposed to be fun or relaxing unexpectedly expensive. Travel insurance is one tool people can use to recoup some of their costs in the event travel plans go awry.

In most cases, travel insurance may reimburse purchasers for costs associated with trip cancellation and/or interruption, replace some personal property and lost luggage, offset expenses when trips are delayed. and help pay emergency medical expenses and sometimes repatriation while overseas.

The cost of travel insurance can vary based on travelers’ ages, length of time traveling, location of travel, method of travel, and cost of the trip.

Travel insurance is highly recommended for overseas trips. There are many companies that offer travel insurance with varying prices. A Google search will quickly provide several opportunities to research and compare. 

Some credit card companies provide travel insurance to holders of certain cards. Often, these are cards associated with travel perks. It is best to check what services and coverages are available through your particular card.

Travelers often ask if they need to purchase insurance through a rental car company when renting a vehicle. In most cases, the answer is no. A private passenger auto insurance policy that provides full coverage on a listed vehicle will also insure a “hired and non-owned auto” for short-time use – a rental car.

In that case, the rented car takes the place of the insured vehicle on the policy, with the same levels of liability and physical damage coverage. That means an accident in a rented vehicle will be covered the same as if it was the named insured vehicle itself.

However, the policy may not cover the rental car company’s loss of that vehicle’s use while it is being repaired, which means the consumer will have to pay rental fees for every day the vehicle is in the repair shop or awaiting repairs. Some auto insurance companies have a policy endorsement that will pick up that cost for a minor charge.

That same endorsement may also reimburse insured’s unforeseen expenses as another result of an accident, including the costs associated with missing hotel check-in or other unexpected travel expenses. Always check your auto insurance policy or contact your agent or insurance company for verification.

Travel should be fun, exciting, and rewarding. Proper planning for the unforeseen problems that pop up can keep it that way.

lantern travel insurance

Alan T. Girton is a veteran agent with Indiana Farm Bureau Insurance. To learn more, visit https://www.infarmbureau.com/agents/Alan-Girton-Howard-Kokomo-IN

lantern travel insurance

Ready for more?

lantern travel insurance

Toll Free: 877-362-2793 | [email protected]

  • Highlights of Thailand
  • Thailand Explorer
  • Thailand Wildlife and Nature Adventure
  • Highlights of Cambodia
  • Cambodia Explorer
  • Cambodia Wildlife Adventure
  • Highlights of Vietnam
  • Vietnam Explorer
  • North Vietnam Escapade
  • Highlights of Luang Prabang
  • Treasures of Northern Laos
  • Laos Explorer
  • Highlights of Java and Bali
  • Treasures of East Bali and Lombok
  • Bali and Flores Adventure
  • Highlights of Singapore
  • Singapore Explorer
  • Nepal Explorer
  • Highlights of Nepal
  • Essence of Bhutan
  • Bhutan Explorer
  • Bhutan Druk Path Trek
  • Highlights of Japan
  • Treasures of Japan
  • Golden Triangle of India
  • North India Himalaya Explorer
  • Treasures of Rajasthan
  • Highlights of Ladakh
  • The Red Journal
  • Testimonials
  • Uniquely Red

Since 2004 travelers have trusted Red Lantern Journeys to recommend, plan, organize, and guide their adventures in Asia. Whether you’re traveling independently or in a small group, we use our in-depth knowledge of Asia to plan responsible, private tours and treks filled with exclusive access and unique, culturally focused activities and adventures to fit your travel style.

About Us Content Image

Our Ambition

The founder of Red Lantern Journeys, Ambrose Bittner, works in this industry because he sees travel as being positive for us as individuals and positive for the world in general by bringing disparate people together to create understanding and acceptance between cultures and nations and individuals. We understand that travel can have negative consequences as well. We want to understand those negative consequences and educate our guests about them– and how to mitigate them–so that the overall result of an individual’s trip is positive for everyone involved. Our sincerest hope is that each of our guests returns home from their trip happy, fulfilled, and with a new perspective on their place in the world…and that those people who worked to make their trip happen or came in contact with them during their travel feel the same way!

As part of our commitment to giving back, Ambrose has supported the Mitrata-Nepal Foundation for Children , a St. Louis-based non-profit that supports children’s education in Nepal, for over 15 years by organizing fund-raising events and serving on its board and visiting the programs in Nepal.

Value Added Services

Service Icon

US-based Personal Travel Consultant

An expert in your destination countries who will guide you through the process to arrange your trip and answer all of your questions. We speak your language!

Service Icon

Comprehensive Travel Insurance

We help to ensure that you are protected in case of unforeseen events such as trip cancellations, delays, and medical emergencies that may occur during your trip. It can also provide you peace of mind and lets you enjoy your travel experience with confidence.

Service Icon

VIP Fast Track Arrival Services

Where available, you’ll be able to bypass long immigration lines.

Service Icon

Visa-on-Arrival Services

No need to mail your passport to an embassy for a country like Bhutan where we can arrange for a visa on arrival. In fact, we’ll explain the best way to get visas for your all of your destination countries, whether it’s on arrival, in advance, or online.

Service Icon

In-country Emergency Support

Beyond just customer support, emergency help is just a phone call away should you ever need it.

Service Icon

In-country Customer Support Managers

To ensure your trip is running smoothly and to help with local logistics or unplanned disruptions to your trip if necessary. The support managers are intimately familiar with your itinerary because they were the ones who coordinated the bookings.

Why Red Lantern?

Registered seller of travel in washington state.

Red Lantern Journeys is located in Seattle, Washington. We are incorporated in Washington State as a limited liability company, and do business under the trade name Red Lantern Journeys. We are a registered seller of travel in Washington State, number 602422249. Washington State is one of only a handful of states that require sellers of travel to be registered and follow strict guidelines for holding payments in trust accounts, truth in advertising, and handling refunds. When you book a trip through us, your payments are deposited directly into a trust account and those funds can only be used to pay for services directly related to your trip.

Accredited by IATAN

Since 2005, Red Lantern Journeys has been accredited by the International Airlines Travel Agent Network (IATAN). Accreditation by IATAN means that we have met and must continue to meet a stringent set of business standards and that we are a member in good standing of the travel industry.

A+ Rating with the Better Business Bureau

We’re proud of this! View our company listing on the Better Business Bureau website.

Secure Payments

We are based in Washington State, which is one of only a handful of states that require sellers of travel to be registered and follow strict guidelines for holding payments in trust accounts, truth in advertising, and handling refunds. When you book a trip through us, your payments are deposited directly into a trust account and those funds can only be used to pay for services directly related to your trip until your trip is completed. Visit Our Policies page to learn more about booking, payment, cancellation, and refund policies.

US-based Company

If an Asia-based travel agency goes out of business or fails to live up to its promises, you have no recourse to a refund or substitution of services. While their prices may look good, check to see if they have cancellation or refund policies posted on their web site not many! No matter where you live or where you are travelling, we provide the same policies and high level of customer service.

Full Service

Red Lantern Journeys helps you plan and book detailed, customized itineraries for your trip based on the style of travel and activities that you are interested in. Based on an interview with you, we will research, recommend, and reserve:

  • Accommodation (hotels, resorts, lodges, guest houses, and ryokans)
  • Local transportation (flights, airport transfers, cars, trains, and buses)
  • Tours with personable and knowledgeable local, English-speaking guides
  • Use of local mobile phones or SIM cards while you travel
  • VIP arrival services at some airports
  • Activities (such as tours, shows, meals, culinary classes, cruises, diving, rafting, golfing, trekking, meetings with renowned local experts and dignitaries, etc.)
  • Trip insurance
  • International Flights through our flight desk partner

Network of Local Partners Throughout Asia

We have carefully selected the best local ground operators and guides in each country to provide services for your trip. If you ever need help during your trip, an in-country client services manager will be there for you.

Red Lantern Journeys in the Media

Red Lantern Journeys has been mentioned in publications ranging from the New York Times Style Magazine, The Seattle Times, USA Today, and CBS Local.

Media Section Image

CBS Local - Seattle

One of the best travel agencies in Seattle!

Media Section Image

The Seattle Times

Featured as one of the best adventure travel companies to work with.

Media Section Image

Recommended tour operator for Thailand!

Media Section Image

The Arc Magazine

Featured Travel Article in The Arc Magazine - A Moment in Myanmar

Memberships and Accreditations

Affiliate Image

Have A Question?

Call us at 206-568-0710 or email us at [email protected] . Click Inquire Here to fill out and submit a form.

  • Privacy Policy
  • Terms & Conditions
  • Waiver of Liability

Sign up and Stay Informed

Copyright © Red Lantern Journeys. All Rights Reserved

  • Credit cards
  • View all credit cards
  • Banking guide
  • Loans guide
  • Insurance guide
  • Personal finance
  • View all personal finance
  • Small business
  • View all small business

7 Best Cheap Travel Insurance Companies in January 2024

Sean Cudahy

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

lantern travel insurance

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

lantern travel insurance

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

lantern travel insurance

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

lantern travel insurance

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

lantern travel insurance

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

lantern travel insurance

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

lantern travel insurance

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

Chase Sapphire Reserve Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Sapphire Preferred Credit Card

1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

lantern travel insurance

  • Make a claim
  • Echelon cars insurance
  • Essense car insurance
  • Distinction car insurance
  • Supersurance car insurance
  • Echelon car insurance

Other policies

  • Small business

Insurance the way you need it Call us on 0800 800 800

Error Information

Make a claim

Not available

This answer is no longer available.

  • Distinction Home
  • Echelon Home
  • Essence Home
  • Supersurance Home
  • Echelon Contents
  • Essence Contents
  • Supersurance Contents
  • Distinction Car
  • Echelon Car
  • Autosurance Car
  • Roadside Assist
  • Make a payment

IMAGES

  1. News

    lantern travel insurance

  2. Home [www.iag.co.nz]

    lantern travel insurance

  3. Home

    lantern travel insurance

  4. About Us

    lantern travel insurance

  5. Services

    lantern travel insurance

  6. Contact Us

    lantern travel insurance

COMMENTS

  1. 11 Best Travel Insurance Companies Of January 2024

    The Best Travel Insurance Companies. Travel Insured International - Best for Non-Medical Evacuation. WorldTrips (Atlas Journey Premier and Atlas Journey Preferred) - Great for Add-On Coverage ...

  2. 11 Best Travel Insurance Companies in January 2024

    Best travel insurance category. Company winner. Best overall. Berkshire Hathaway Travel Protection. Best for emergency medical coverage. Allianz Global Assistance. Best for travelers with pre ...

  3. 12 Best Travel Insurance Companies of January 2024

    Travelex Insurance Services: Best Overall. Allianz Travel Insurance: Best for Cancel for Any Reason Add-on. Seven Corners: Best for 24/7 Support When Traveling. World Nomads Travel Insurance: Best ...

  4. How to Find the Best Travel Insurance

    Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more. Cost is affected by trip length, pre-existing medical conditions, depth of coverage ...

  5. Best Long-Term Travel Insurance

    Trips longer than 45 days are excluded from coverage with this plan. Travel Guard. $259. Travelers going to destinations where safety may be a concern, as security evacuation is included in the ...

  6. Travel Insurance: Compare & Quote Plans

    Progressive Insurance. Get a quote Or, call 1-855-347-3939. Compare the best travel insurance plans for your trip with comprehensive & specialized coverage. Plus, there's a Best Prices Guarantee and Money Back Guarantee.

  7. John Hancock Insurance Agency Travel Insurance Review 2024

    The John Hancock Silver travel insurance plan scores 3 out of 5 stars in our review of the best travel insurance companies . Emergency medical evacuation: $500,000. Emergency medical: $100,000 ...

  8. Best Travel Medical Insurance of 2024

    Breaking a bone during a trip. $25,000 to $2 million. Emergency evacuation coverage. Heart attack that requires a helicopter ride to a hospital in another town. $25,000 to $1 million or more ...

  9. Travel Insurance Cost: This Week's Average Rates

    In some cases, we receive a commission from our partners; however, our opinions are our own. The average travel insurance premium this week is $292.52, a 3% increase compared to last week. For ...

  10. The best travel insurance policies and providers

    For a single trip, multiple trips or long term. Covered by most policies. $15/25. IMG. Single trip or multiple trips (travel insurance and travel medical insurance options are available). Waived under set conditions for travel insurance; covered but capped for single-trip travel medical insurance. $17/$94.

  11. Providing premium cover through NZI

    Lantern Insurance is a business division of IAG New Zealand Ltd. For a complete description of your cover, please refer to your policy wording, policy schedule and any other relevant policy documents. This information is a general guide only and is not necessarily complete. We reserve the right to change, update or correct any information from ...

  12. Find Answers

    Check out the tips below for some things you can do to keep safe and help protect your home, vehicles, or belongings from damage. Make a plan •... Contact information Insurer brand Claims contact AMI Insurance Lodge your claim online or call 0800 100 200 ASB Insurance Call 0800 200 242 or email [email protected] BNZ PremierCare Insurance ...

  13. Travel Insurance Quotes

    As the nation's original travel insurance comparison site, InsureMyTrip has over 20 years of experience connecting travelers like you with the best policy for your trip. Our simple quote process helps you choose the right coverage by comparing top plans from trusted providers. And if you need help, our licensed insurance agents can assist you ...

  14. Travel Insurance Costs Rise: January 22, 2024

    The average trip cost for international travelers was $4,991. For domestic travelers, the average trip cost was $2,781. International travelers paid an average of $315 for their travel insurance ...

  15. Travel and Life insurance

    Travel and Life insurance This answer was first published on 11/10/2012 01.23 PM | This answer was last updated on 11/10/2012 01.48 PM

  16. Ask a Question

    Lantern Insurance. Insurance the way you need it Call us on 0800 800 800. Email Us. We value your feedback. If you would like us to respond by email, please provide a valid email address. Please feel free to contact our team anytime with your feedback, both good and bad.

  17. Best Annual Travel Insurance in January 2024

    The average cost for an annual travel insurance plan came out to $220. The plans ranged from $138-$386. Basic coverage cost. Recommended for. Allianz Travel. $138. Health care and rental car ...

  18. How Lantern Makes End-Of-Life Planning Less Hard

    According to a recent Haven Life survey, here is why Haven Term policyholders are prioritizing their end-of-life planning: Nearly 80% of respondents: "I want to get things organized.". Nearly 50% of respondents: "I have or am expecting a child.". Roughly 30% of respondents: A major life milestone, like getting married or buying a house.

  19. Making a claim

    If it's an emergency, go ahead, but keep any receipts to claim a reimbursement. Please phone us on 0800 800 800 as soon as possible if you receive documents from anyone else about your claim. If you may have caused damage to someone else's property, please don't admit you are at fault. Simply say you need to speak to your insurer and phone ...

  20. Travel insurance: What is it and is it worth it?

    Travel insurance is highly recommended for overseas trips. There are many companies that offer travel insurance with varying prices. A Google search will quickly provide several opportunities to research and compare. Some credit card companies provide travel insurance to holders of certain cards. Often, these are cards associated with travel perks.

  21. When to Buy Travel Insurance

    Many insurance companies only give you a short window to purchase a CFAR add-on. This will generally be within two to three weeks of your initial trip deposit, but the deadline varies by insurer ...

  22. Hyundai Elantra Car Insurance Cost

    We want to help you save on car insurance. Available discounts on Hyundai Elantra car insurance include: You may be able to save if your car came from the factory with passive restraint systems such as airbags. If your car's equipped with anti-lock brakes, you may be eligible for a discount. If your car's equipped with an anti-theft device ...

  23. About

    Since 2004 travelers have trusted Red Lantern Journeys to recommend, plan, organize, and guide their adventures in Asia. Whether you're traveling independently or in a small group, we use our in-depth knowledge of Asia to plan responsible, private tours and treks filled with exclusive access and unique, culturally focused activities and adventures to fit your travel style.

  24. Contact information

    AMI Insurance. Lodge your claim online or call 0800 100 200. ASB Insurance. Call 0800 200 242 or email [email protected]. BNZ PremierCare Insurance. Lodge your claim online or call 0800 248 888. Lumley Insurance. Please visit Lumley's website for contact information. For Lumley policies through a broker, please contact your broker directly.

  25. 7 Best Cheap Travel Insurance Companies in January 2024

    If you're willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance. Learn ...

  26. DIWA TRAVEL AGENCY on Instagram: " 4DAYS 3NIGHTS TAIPEI-TAICHUNG

    1 likes, 0 comments - diwatravel on January 14, 2024: " 4DAYS 3NIGHTS TAIPEI-TAICHUNG (CHERRYBLOSSOM & SPRING) ALL IN PACKAGE VIA MANILA! ..."

  27. Who Lantern Insurance are

    Who Lantern Insurance are This answer was first published on 11/10/2012 01.23 PM | This answer was last updated on 11/10/2012 01.32 PM Question. Who is Lantern Insurance? Answer. Lantern enables you direct access to New Zealand's premium insurer without the need to deal through brokers.